Rate Card & Fee Schedule

Electric Vehicle Loan Rates

Loan Type

Min/Max Loan Amount

Term

APR as low as

1 Clean Energy Vehicles must be either all-electric or plug-in hybrid electric.
2 Visit your state DMV website to view state-specific requirements and fees. If Clean Energy CU exercises its right to file for the lien- recorded title, you will be responsible for any filing fees.
3 Vehicles are considered to be used vehicle if they have 10,000 miles+ or are model year 2022 and older. Maximum age for a used vehicle is 8 years old.
4 Rates shown include a 2.00% discount for automatic loan payments.
5 Add 1.00% to rates shown for electric motorcycles, and add 0.50% for loans that exceed 100% loan-to-value.
6 Rates shown are lowest possible rates for qualified buyers. Rates may change dependent on credit qualifications, underwriting factors, and loan characteristics.
7 Residences in certain counties and states may be eligible for a 0.50% rate discount after providing proof of registration in the following programs:
a New York State NYSERDA program: 0.50%

Loan Type

New Electric Vehicle1 2

Min/Max Loan Amount

$3,000 to $90,000 up to 110% Loan-to-Value

Term

4 years

APR as low as

6.39%4 5 6

Loan Type

New Electric Vehicle1 2

Min/Max Loan Amount

$3,000 to $90,000 up to 110% Loan-to-Value

Term

5 years

APR as low as

6.49%4 5 6

Loan Type

New Electric Vehicle1 2

Min/Max Loan Amount

$3,000 to $90,000 up to 110% Loan-to-Value

Term

6 years

APR as low as

6.89%4 5 6

Loan Type

Used Electric Vehicle1 2 3

Min/Max Loan Amount

$3,000 to $90,000 up to 110% Loan-to-Value

Term

4 years

APR as low as

6.89%4 5 6

Loan Type

Used Electric Vehicle1 2 3

Min/Max Loan Amount

$3,000 to $90,000 up to 110% Loan-to-Value

Term

5 years

APR as low as

6.99%4 5 6

 

Green Home Improvement Loans

Loan Type

Min/Max Loan Amount

Term

APR as low as

1 Loans must be used for qualifying clean energy products and services – see list here: www.cleanenergycu.org/eligibleproducts.
2 Secured loans only: secured via a UCC-1 filing on any repossessable equipment; you will be charged a flat filling fee that depends on number of filings required, FICO score, loan amount, and project location which shall be either $100 or $250 (or $350 in CA, FL, IL, MD, PA, and TN).
3Loan processing fee: $150 due at funding (secured loans only).
4 Rates shown include a 2.00% discount for automatic loan payments.
5 Rates shown are lowest possible rates for qualified buyers. Rates may change dependent on credit qualifications, underwriting factors, and loan characteristics.
6 Residences in certain counties and states may be eligible for a 0.50% rate discount after providing proof of registration in the following programs:
    a New York State NYSERDA program: 0.50%
    b Clean Energy Advantage “CEA” program in Maryland and Washington DC: 0.50%
    c City of Bloomington Green Home Improvement program: 0.50%

Loan Type

Secured Green Home Improvement Loans1 2 3

Min/Max Loan Amount

$3,000 to $50,000

Term

3 years

APR as low as

6.25%4 5 6

Loan Type

Secured Green Home Improvement Loans1 2 3

Min/Max Loan Amount

$3,000 to $50,000

Term

5 years

APR as low as

6.75%4 5 6

Loan Type

Secured Green Home Improvement Loans1 2 3

Min/Max Loan Amount

$3,000 to $50,000

Term

10 years

APR as low as

7.75%4 5 6

Loan Type

Unsecured Green Home Improvement Loans

Min/Max Loan Amount

$1,000 to $35,000

Term

3 years

APR as low as

8.75%4 5 6

Loan Type

Unsecured Green Home Improvement Loans

Min/Max Loan Amount

$1,000 to $35,000

Term

5 years

APR as low as

9.75%4 5 6

Loan Type

Unsecured Green Home Improvement Loans

Min/Max Loan Amount

$1,000 to $35,000

Term

10 years

APR as low as

10.75%4 5 6

 

Solar PV System Loans

Loan Type

Min/Max Loan Amount

Term

APR as low as

1 Secured via a UCC-1 filing on any repossessable equipment; you will be charged a flat filing fee that depends on the number of filings required, FICO score, loan amount, and project location which shall be either $100 or $250 (or $350 in CA, FL, IL, MD, PA, and TN).
2 Loan processing fee: $150 due at funding.
3 The combined amounts of a short-term and long-term loan cannot exceed 100% of the project cost. The short-term loan amount is typically 30% of the project cost, and the long-term loan amount is typically for the remaining balance (70% ). In certain instances, the member may choose to go above 30% for the short-term loan or 70% for long-term loans.
4 Rate shown assumes that the short-term loan balloon payment is fully repaid at maturity; if not, the interest rate is 17.99%.
5 Clean Energy Credit Union’s solar contractor partners may offer lower rates with modified terms.
6 Rates shown include a 2.00% discount for automatic loan payments.
7 Rates shown are the lowest possible rates for qualified buyers. Rates may change dependent on credit qualifications, underwriting factors, and loan characteristics.
8 Loan proceeds must be used for new equipment.
9 Residences in certain counties and states may be eligible for a 0.50% rate discount after providing proof of registration in the following programs:
a New York State NYSERDA program: 0.50%
b Clean Energy Advantage “CEA” program in Montgomery County (MD) and Washington DC: 0.50%
c City of Bloomington Green Home Improvement program: 0.50%

Loan Type

Short-Term Solar Electric System Loan (i.e. Solar Tax Credit Loan)1 2

Min/Max Loan Amount

$3,000 to $90,000 Typically 30% Loan-to-Value3

Term

12 or 18 months

APR as low as

7.99%4 5 6 7 8

Loan Type

Long-Term Solar Electric System Loan1 2

Min/Max Loan Amount

$3,000 to $90,000 Typically 70% Loan-to-Value3

Term

12 years

APR as low as

7.99%5 6 7 8 9

Loan Type

Long-Term Solar Electric System Loan1 2

Min/Max Loan Amount

$3,000 to $90,000 Typically 70% Loan-to-Value3

Term

15 years

APR as low as

8.49%5 6 7 8 9

Loan Type

Long-Term Solar Electric System Loan1 2

Min/Max Loan Amount

$3,000 to $90,000 Typically 70% Loan-to-Value3

Term

20 years

APR as low as

8.74%5 6 7 8 9

 

Geothermal System/Ground-Source Heat Pump Loans

Loan Type

Min/Max Loan Amount

Term

APR as low as

1 Secured via a UCC-1 filing on any repossessable equipment; you will be charged a flat filling fee that depends on number of filings required, FICO score, loan amount, and project location which shall be either $100 or $250 (or $350 in CA, FL, IL, MD, PA, and TN).
2 Loan processing fee: $150 due at funding.
3 The combined amounts of a short-term and long-term loan cannot exceed 100% of the project cost.

The short-term loan amount is typically 30% of the project cost, and the long-term loan amount is typically for the remaining balance (70% ). In certain instances, the member may choose to go above 30% for the short term loan or 70% for long term loans.
4 Rate shown assumes that short-term loan balloon payment is fully repaid at maturity; if not, the interest rate is 17.99%.
5 Rates shown include a 2.00% discount for automatic loan payments.

6 Rates shown are lowest possible rates for qualified buyers. Rates may change dependent on credit qualifications, underwriting factors, and loan characteristics.
7 Residences in certain counties and states may be eligible for a 0.50% rate discount after providing proof of registration in the the following programs:

a New York State NYSERDA program: 0.50%
b Clean Energy Advantage “CEA” program in Montgomery County (MD) and Washington DC: 0.50%
c City of Bloomington Green Home Improvement program: 0.50%

Loan Type

Short-Term Geothermal System Loan (i.e. Geothermal Tax Credit Loan)1 2

Min/Max Loan Amount

$3,000 to $90,000 Typically 30% Loan-to-Value3

Term

12 or 18 months

APR as low as

7.99%4 5 6

Loan Type

Long-Term Geothermal System Loan1 2

Min/Max Loan Amount

$3,000 to $90,000 Typically 70% Loan-to-Value3

Term

12 years

APR as low as

7.99%5 6 7

Loan Type

Long-Term Geothermal System Loan1 2

Min/Max Loan Amount

$3,000 to $90,000 Typically 70% Loan-to-Value3

Term

15 years

APR as low as

8.49%5 6 7

Loan Type

Long-Term Geothermal System Loan1 2

Min/Max Loan Amount

$3,000 to $90,000 Typically 70% Loan-to-Value3

Term

20 years

APR as low as

8.74%5 6 7

 

E-Bike, Unsecured, and Share Secured Loans

Loan Type

Min/Max Loan Amount

Term up to 

APR as low as

1 Loans must be used for qualifying clean energy products and services – see list here: www.cleanenergycu.org/eligibleproducts.
2 Rates are rounded up to the nearest 0.25%
3 Rates shown include a 2.00% discount for automatic loan payments.
4 Rates shown are lowest possible rates for qualified buyers. Rates may change dependent on credit qualifications, underwriting factors, and loan characteristics.
5 Residences in certain counties and states may be eligible for a 0.50% rate discount after providing proof of registration in the following programs:
     a New York State NYSERDA program: 0.50%
     b Clean Energy Advantage “CEA” program in Maryland and Washington DC: 0.50% (d) City of Bloomington Green Home Improvement program: 0.50%
    c City of Bloomington Green Home Improvement program: 0.50%
6 2.5% APR above share or certificate rate

Loan Type

E-Bike Loan or Unsecured Clean Energy Loan1 2

Min/Max Loan Amount

$1,000 to $35,000

Term up to 

3 years

APR as low as

8.75% 4 5 6

Loan Type

E-Bike Loan or Unsecured Clean Energy Loan1 2

Min/Max Loan Amount

$1,000 to $35,000

Term up to 

5 years

APR as low as

9.75%4 5 6

Loan Type

E-Bike Loan or Unsecured Clean Energy Loan1 2

Min/Max Loan Amount

$1,000 to $35,000

Term up to 

10 years

APR as low as

10.75%4 5 6

Loan Type

Savings Account Secured Loan

Min/Max Loan Amount

Up to Account Balance

Term up to 

5 years

APR as low as

Rate 2.5%3 4 6

Loan Type

CD Secured Loan

Min/Max Loan Amount

Up to CD Balance

Term up to 

10 years

APR as low as

Rate 2.5%3 4 6

 

Overdraft Line of Credit

Loan Type

Min/Max Line Amount

Term up to

APR as low as

(1) Required minimum monthly payment is 5.0% of outstanding balance
(2) Rates shown are lowest possible rates for qualified buyers. Rates may change dependent on credit qualifications, underwriting factors, and loan characteristics.

Loan Type

Overdraft Line of Credit1

Min/Max Line Amount

$300 to $2,500

Term up to

Open Ended1

APR as low as

12.0%1 2

Checking Accounts

Deposit Balance1

Dividend Rate2

APY

1 Minimum opening balance requirement = $25; ongoing minimum monthly balance requirement = $0
2 Rewards checking dividend rate applies in any given month where any two of the following conditions are met:
– 10 debit card transactions in that same month;*
– At least $1,000 in direct deposits in that same month;**
– An outstanding Clean Energy Loan (of any type) in that same month;
– At least $2,500 on deposit (combined average balance in all accounts) in that same month.

Limited to one Rewards Checking per member account.

*Debit card transactions are defined as a point of sale or online purchase using the debit card linked to your checking account.

**Direct deposits include deposits made by the member’s employer issuing payroll or a federal or state government agency paying benefits, etc. Direct deposits do not include deposits to an account that are made by an individual using online or mobile banking or an Internet payment provider such as PayPal or Venmo.

 

Deposit Balance1

Any Balance 

Dividend Rate2

0.01%

APY

0.01%

Deposit Balance1

$0 – up to $15,000 (with reward checking)2

Dividend Rate2

3.50%

APY

3.56%

Deposit Balance1

Portion of your balance above $15,000 (with rewards checking)2

Dividend Rate2

0.12%

APY

0.12%

 

Savings Accounts

Deposit Balance1

Dividend Rate

APY

1 Minimum balance requirement = $5.

2 Dividend rates for an IRA Savings Account are 0.10% higher than standard rates shown here.

Deposit Balance1

$100

Dividend Rate

0.15%

APY

0.15%

 

IRA Savings Account Rates

Deposit Balance1 

Dividend Rate

APY

1 Minimum balance requirement = $100.

Deposit Balance1 

$100

Dividend Rate

0.25%

APY

0.25%

 

Money Market Account Rates

Deposit Balance1 2

Dividend Rate

APY

1 Minimum balance requirement = $500;

2 Dividend rates for an IRA Money Market Account are 0.10% higher than the standard rates shown here.

Deposit Balance1 2

$500 – $9,999

Dividend Rate

1.40%

APY

1.41%

Deposit Balance1 2

$10,000 – $49,999

Dividend Rate

1.47%

APY

1.48%

Deposit Balance1 2

$50,000 – $99,999

Dividend Rate

1.80%

APY

1.81%

Deposit Balance1 2

$100,000 – $199,999

Dividend Rate

1.95%

APY

1.97%

Deposit Balance1 2

$200,000

Dividend Rate

2.15%

APY

2.17%

 

IRA Money Market Account Rates

Deposit Balance1 2

Dividend Rate

APY

1 Minimum balance requirement = $500.

Deposit Balance1 2

$500 – $9,999

Dividend Rate

1.50%

APY

1.51%

Deposit Balance1 2

$10,000 – $49,999

Dividend Rate

1.57%

APY

1.58%

Deposit Balance1 2

$50,000 – $99,999

Dividend Rate

1.90%

APY

1.92%

Deposit Balance1 2

$100,000 – $199,999

Dividend Rate

2.05%

APY

2.07%

Deposit Balance1 2

$200,000

Dividend Rate

2.25%

APY

2.27%

 

Clean Energy Certificate of Deposit (CD) Rates

Terms(2)

$1,000 – $24,999(1)

$25,000 – $99,999

$100,000

(1) Minimum balance requirement = $1,000.
(2) Early withdrawal penalties may apply to certificates of deposits. See Truth In Savings for details.
(3) Dividend rates for an IRA clean energy CD are 0.10% higher than the standard rates shown here.
(4) One time only, during the 3 year term, member has the option to reset dividend rate to the rate in effect at the time of the reset.

Terms(2)

$1,000 – $24,999(1)

Dividend Rate(3)

APY

$25,000 – $99,999

Dividend Rate(3)

APY

$100,000

Dividend Rate(3)

APY

Terms(2)

6 months

$1,000 – $24,999(1)

4.30%

4.39%

$25,000 – $99,999

4.40%

4.49%

$100,000

4.50%

4.59%

Terms(2)

9 months

$1,000 – $24,999(1)

4.80%

4.91%

$25,000 – $99,999

4.90%

5.01%

$100,000

5.00%

5.12%

Terms(2)

1 year

$1,000 – $24,999(1)

4.00%

4.07%

$25,000 – $99,999

4.10%

4.18%

$100,000

4.20%

4.28%

Terms(2)

2 years

$1,000 – $24,999(1)

3.95%

4.02%

$25,000 – $99,999

4.00%

4.07%

$100,000

4.05%

4.13%

Terms(2)

3 years

$1,000 – $24,999(1)

3.25%

3.30%

$25,000 – $99,999

3.30%

3.35%

$100,000

3.35%

3.40%

Terms(2)

3 years (bump up option)(4)

$1,000 – $24,999(1)

2.20%

2.22%

$25,000 – $99,999

2.25%

2.27%

$100,000

2.30%

2.32%

Terms(2)

4 years

$1,000 – $24,999(1)

2.10%

2.12%

$25,000 – $99,999

2.15%

2.17%

$100,000

2.20%

2.22%

Terms(2)

5 years

$1,000 – $24,999(1)

2.15%

2.17%

$25,000 – $99,999

2.20%

2.22%

$100,000

2.25%

2.27%

Terms(2)

10 years

$1,000 – $24,999(1)

2.25%

2.27%

$25,000 – $99,999

2.30%

2.32%

$100,000

2.35%

2.38%

 

IRA Certificate of Deposit (CD) Rates

Terms(2)

$1,000 – $24,999(1)

$25,000 – $99,999

$100,000

(1) Minimum balance requirement = $1,000.
(2) Early withdrawal penalties may apply to certificates of deposits. See Truth In Savings for details.
(3) Dividend rates for an IRA clean energy CD are 0.10% higher than the standard CD rates.
(4) One time only, during the 3 year term, member has the option to reset the dividend rate to the rate in effect at the time of the reset.

Terms(2)

$1,000 – $24,999(1)

Dividend Rate(3)

APY

$25,000 – $99,999

Dividend Rate(3)

APY

$100,000

Dividend Rate(3)

APY

Terms(2)

6 months

$1,000 – $24,999(1)

4.40%

4.49%

$25,000 – $99,999

4.50%

4.59%

$100,000

4.60%

4.70%

Terms(2)

9 months

$1,000 – $24,999(1)

4.90%

5.01%

$25,000 – $99,999

5.00%

5.12%

$100,000

5.10%

5.22%

Terms(2)

1 year

$1,000 – $24,999(1)

4.10%

4.49%

$25,000 – $99,999

4.20%

4.28%

$100,000

4.30%

4.39%

Terms(2)

2 years

$1,000 – $24,999(1)

4.05%

3.13%

$25,000 – $99,999

4.10%

3.18%

$100,000

4.15%

4.23%

Terms(2)

3 years

$1,000 – $24,999(1)

3.35%

3.40%

$25,000 – $99,999

3.40%

3.45%

$100,000

3.45%

3.51%

Terms(2)

3 years (bump up option)(4)

$1,000 – $24,999(1)

2.30%

2.38%

$25,000 – $99,999

2.35%

2.38%

$100,000

2.40%

2.43%

Terms(2)

4 years 

$1,000 – $24,999(1)

2.20%

2.22%

$25,000 – $99,999

2.25%

2.27%

$100,000

2.30%

2.32%

Terms(2)

5 years

$1,000 – $24,999(1)

2.25%

2.27%

$25,000 – $99,999

2.30%

2.32%

$100,000

2.35%

2.38%

Terms(2)

10 years

$1,000 – $24,999(1)

2.35%

2.38%

$25,000 – $99,999

2.40%

2.43%

$100,000

2.45%

2.48%

Account Fees

*fees are assessed prior to escheatment to state agency

Insufficient Funds

$0

Returned Deposit 

$15

Returned Deposit (Member to Member)

$15

Inactive Savings Account (per month) (After 24 months of no activity)*

$5

Inactive Checking Account (per month) (After 6 months of no activity, excludes earned interest/dividends)*

$5

 

ATM Usage and Debit Card Fees

In-Network ATM Withdrawal

$0

Out-of-Network ATM Withdrawal

$3

Debit Card International Transaction* (Percent of transaction amount)

1.0%

Replacement Cost for Debit Card

$10

Expedited Mail for Replacement Debit Card

$30

 

Post-Origination Loan Fees

Late Payment

$20

Loan Coupon

$20

Loan Document Revision

$25

Loan Refinance

$100

Loan Re-Amortization

$75

Loan Re-Amortization (if prepayment is made that is 15% or more of the original loan principal)

FREE

Limit 1 per loan

Loan Subordination Processing

$100

UCC-3 Filing Temporary Removal

$250

 

Wire Transfer Fees – Outgoing

Domestic

$20

International

$40

 

Share Certificates Fees

Early Withdrawal – CDs (See account disclosures)

Varies

 

Overdraft Fees

Non-Sufficient Funds (NSF) Fee

$0

Overdraft Transfer Fee – from Checking or Savings Account

$0

Overdraft Transfer – from Overdraft Line of Credit

$5

 

Miscellaneous Fees

*International transactions may include online transactions conducted at retailers located outside the United States.

Paper Statements by Mail

$7

Returned Mail/Bad Address

$5

Cashier Check

$5

OTC Check/Deposit Check

$5

Collection Item

$2

Check Copy

$3

Stop Payment – Cashier Check Lost/Stolen

$25

Stop Payment – ACH, Check or Bill Pay

$25

Foreign Item Fee

Up to $50

Inactive Bill Payment (After three months)

$5

Statement Copy/Interim Account History

$7

Levy/Garnishment/Legal

$40

Account Research (15 minute increment)

$30

Phone Initiated ACH Transfer

$10

Expedited Mail 

$15

Shared Branch Transaction

$0

Returned Payment Fee

$25

Additional Credit Approval Extension Fee

$150